Capital and Regulatory Matters (Tables)

6 Months Ended

Jun. 30, 2022

Banking Regulation, Common Equity Tier One Risk-Based Capital [Abstract]

The following table presents actual and required capital ratios as of June 30, 2022 and December 31, 2021 for Cullen/Frost and Frost Bank under the Basel III Capital Rules. Capital levels required to be considered well capitalized are based upon prompt corrective action regulations, as amended to reflect the changes under the Basel III Capital Rules. See the 2021 Form 10-K for a more detailed discussion of the Basel III Capital Rules.


	Actual				Minimum Capital Required - Basel III				Required to be Considered Well Capitalized
	Capital Amount		Ratio		Capital Amount		Ratio		Capital Amount		Ratio
June 30, 2022
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,485,759	12.64	%	$	1,930,703	7.00	%	$	1,792,796	6.50	%
Frost Bank	3,423,585		12.42		1,929,368		7.00		1,791,556		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,631,211		13.17		2,344,425		8.50		2,206,518		8.00
Frost Bank	3,423,585		12.42		2,342,804		8.50		2,204,992		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	4,069,206		14.75		2,896,055		10.50		2,758,148		10.00
Frost Bank	3,661,580		13.28		2,894,052		10.50		2,756,240		10.00
Leverage Ratio
Cullen/Frost	3,631,211		7.03		2,067,513		4.00		2,584,391		5.00
Frost Bank	3,423,585		6.62		2,067,942		4.00		2,584,928		5.00
December 31, 2021
Common Equity Tier 1 to Risk-Weighted Assets
Cullen/Frost	$	3,371,043	13.13	%	$	1,796,549	7.00	%	$	1,668,224	6.50	%
Frost Bank	3,261,532		12.72		1,795,221		7.00		1,666,991		6.50
Tier 1 Capital to Risk-Weighted Assets
Cullen/Frost	3,516,495		13.70		2,181,523		8.50		2,053,198		8.00
Frost Bank	3,261,532		12.72		2,179,911		8.50		2,051,681		8.00
Total Capital to Risk-Weighted Assets
Cullen/Frost	3,966,244		15.45		2,694,823		10.50		2,566,498		10.00
Frost Bank	3,491,281		13.61		2,692,831		10.50		2,564,601		10.00
Leverage Ratio
Cullen/Frost	3,516,495		7.34		1,917,533		4.00		2,396,917		5.00
Frost Bank	3,261,532		6.80		1,917,679		4.00		2,397,099		5.00